I applied for this card despite Credit Karma saying my odds were not great. My TU Score was 681 and my Experian was 709, and I was approved with a credit limit of $8,500. I'm disappointed that it does not earn Elite Qualifying Dollars like the Aviator card does, but I am happy with the fact the annual fee is waived the first year and with the 60k bonus miles after the first $3,000 spent.
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I have 3 cards with Citi: American Airlines, Simplicity, and Costco. The AA card had an $8,000 limit at opening. They cut my limit in half without notice. The Simplicity card, every time I have made a payment in the last 3 months they have reduced my credit limit to just above that new balance. So now on 2 accounts they have WRECKED my credit rating because the debt to available credit ratio is maxed out. They also have THE highest APR of any company I've banked with.
And their security is crap. I have only had my credit card compromised 3 times in my adult life. Two of the three were on a Citi Bank credit cards. The problem is they locked my card out, then called me from an unrecognized number and left a spam-like message so I assumed it was spam. It wasnt until I later tried to use that card and found out they'd locked the card for fraud. I contacted customer service and spent 20+ minutes on hold just to have them tell me my card has been hacked and they were sending a new one. It took almost 2 weeks to get a replacement card. I called customer service and every time they asked me to give the 16-digit card number and I had to go through the crappy automated menu to talk to a human and repeat over and over that they hadn't sent my new card so I had no idea what the number was. Other banks I had cards with emailed me, texted, and called to alert me of fraud. Who in this age answers the phone anymore anyway? Especially an unknown 1800 number? The other bank alsohad replacement cards sent overnight. Don't waste your time with Citi.
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Data Created: February 02, 2015
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